Lawyers, Answer Questions  & Get Points Log In
Florida Insurance Bad Faith Questions & Answers
1 Answer | Asked in Insurance Bad Faith for Florida on
Q: Is the limitation for punitive damages of 4.5 times to max 10times limited to personal injury also apply to willful wro

Willful wrong done by corporation. Have life insurance case 2 lawyers will take. But I feel the case warrants punitive damages. 2 trial lawyers fail to return call. Case is either Florida or federal. The life insurance policy was a single premium variable guaranteed renewable. It can be... Read more »

Tim Akpinar
Tim Akpinar
answered on May 14, 2022

Only a Florida attorney could advise as to the limitation you mention, as it could involve state-specific law. But your question remains open for four weeks. As to the other more general legal issue you raise about warranting punitive damages, that is often up to the discretion of the court in many... Read more »

1 Answer | Asked in Family Law, Health Care Law and Insurance Bad Faith for Florida on
Q: My sons dad pays for health insurance for our child but his name was spelt wrong is there anything I can legally do?

He has to go through his employer to fix it. He has but his employer isn’t doing anything but his employer says he is. Is there anything legally I can do to get his name fixed so we can get the insurance that he’s paying for since march?

Terrence H Thorgaard
Terrence H Thorgaard
answered on May 12, 2022

It seems odd that a mere spelling error on the insurance paperwork should prevent you from getting medical care for your child. If the child needs medical attention, ask the medical provider to contact the insurer and get the care pre-approved.

1 Answer | Asked in Health Care Law, Insurance Bad Faith and Medical Malpractice for Florida on
Q: My insurance company failed to provide a dentist covered in network in time to save teeth do I have a case?

I started a multiple root canal and crowns with my insurance last year in December, the max time to finish the procedure safely was 21 day, it took 114 days for them to provide a dentist that was in network and had not dropped them. I find this excessive and unreasonable, because the failure to... Read more »

Tim Akpinar
Tim Akpinar
answered on May 1, 2022

A Florida attorney could advise best, but your question remains open for two weeks. For this type of matter, an attorney could require a dental/oral surgery professional's opinion in terms of the impact of the delays. That's why the question is difficult to answer. You could reach out to... Read more »

1 Answer | Asked in Insurance Bad Faith for Florida on
Q: Does home insurance cover a tier one solar panel system on florida? Internet says yes, insurance companies say no.

When u call insurance companies, they say we have to pay more for more coverage. Online it says it should already be covered. Feel like insurance company is lying. Pls clarify.

Terrence H Thorgaard
Terrence H Thorgaard
answered on Apr 6, 2022

It would depend on the terms of the policy. If the insurance company tells you that they would charge more for a policy that covers solar panel systems, they can certainly do that. Whatever you read on the Internet was probably a general statement and not about any specific policy.

1 Answer | Asked in Insurance Bad Faith for Florida on
Q: Real estate insurance claim recorded statement

I’m in a process of real estate insurance claim and adjuster wants to have a recorded statement from me. Do I really obligated to give him a statement or I can refuse a statement?! Also, most likely I’ll hire a lawyer, if the amount offered is low. A loss mitigation company was dispatched to... Read more »

Michael  Mayoral
PREMIUM
Michael Mayoral
answered on Feb 25, 2022

It depends what your insurance policy says about the requirement to give a recorded statement.

1 Answer | Asked in Insurance Bad Faith, Insurance Defense and Products Liability for Florida on
Q: My place was broken into and a month later truck was stolen police reports on both insurance wont pay what

Easier to explain on phone. Insurance company was wanting me to give then phone logs bank statements and all. The truck was stolen and wrecked not able to drive insurance company didn't send an adjuster and tow yard auctioned while husband was incarcerated. Extra keys were taken in first break... Read more »

Tim Akpinar
Tim Akpinar
answered on Feb 16, 2022

I'm sorry this happened to you and your husband. A Florida attorney could advise best, but your question remains open for two weeks. It looks like you want to explain your situation on the phone, but this forum doesn't work like a referral service. Attorneys can't reach out to you -... Read more »

1 Answer | Asked in Insurance Bad Faith for Florida on
Q: Hi, I was tricked into getting security deposit insurance. I was told I was paying a security deposit by property manage

I was told that property management company that their tenants pay deposit through a third party company. I went through that website as instructed. And later found out I was paying a premium for security deposit insurance that doesn’t cover anything for me only the property management company.... Read more »

Terrence H Thorgaard
Terrence H Thorgaard
answered on Feb 16, 2022

Could it be that the representative of the property management company was mistaken? When you went through the website you should have noticed that you were paying for insurance. If it means that much to you, you perhaps could sue the property management company even though you, in my opinion,... Read more »

1 Answer | Asked in Contracts, Insurance Bad Faith and Insurance Defense for Florida on
Q: For a stolen vehicle insurance claim against the insurance company what type of lawyer.do I need?
Tim Akpinar
Tim Akpinar
answered on Feb 11, 2022

A Florida attorney could advise best, but your question remains open for two weeks. You need an attorney who is experienced with auto claims, possibly dealing with insurance company special investigations units and sometimes criminal investigations. It might be difficult to find someone who... Read more »

1 Answer | Asked in Insurance Bad Faith and Probate for Florida on
Q: What’s the statue of limitation on life insurance

My deceased father made his sister a successor on his life insurance and I was a minor at the time of his death. I want to know did the agent have rights to release my portion of the money to my half brother who gained guardianship of me, being that my Aunt was the successor.

Justin  Stivers
PREMIUM
Justin Stivers
answered on Jan 22, 2022

Have you contacted the life insurance company? Was a guardianship opened on your behalf? If so, money was probably released into the guardianship account. I would need more information to give a proper answer.

1 Answer | Asked in Car Accidents, Insurance Bad Faith, Insurance Defense and Civil Litigation for Florida on
Q: Can my car leaser add damages to my credit if I choose to return it damaged even though I have gap insurance.

Hello. I want to return my car because I plan on buying a house early 2022 and don't want a car payment listed as a bill when I apply for loans. I got into a wreck last month. I only have pip insurance. It's a fairly large dent in the driver side of the door. The person's insurance... Read more »

Bruce Alexander Minnick
Bruce Alexander Minnick
answered on Dec 29, 2021

Your plan has serious flaws in it, not the least of which is a possible legal claim from the dealer seeking the remaining monthly payments that you agreed to pay at the beginning of the lease.

Whoever told you that you can just return a badly damaged leased car to whoever leased it to you...
Read more »

1 Answer | Asked in Criminal Law, Civil Litigation, Civil Rights and Insurance Bad Faith for Florida on
Q: Is a Bails Bondsman allowed to hand cuff you, put you in a dark room, force the person signing for your bail to go to

their vehicle and get the purse of the person on bail and make the signer get into the purse and pull out a credit card and run the card for 3500 dollars and then bring the person on bail out to the desk still handcuffed and force them to sign a collateral receipt and take 50 dollars cash from the... Read more »

Charles M.  Baron
Charles M. Baron
answered on Dec 12, 2021

For this issue, you must consult a criminal defense attorney (either hired by you or court-appointed). Bail bondsmen have certain limited powers to detain a defendant who has failed to appear in court while on bond. Whether the one in your situation went beyond their legal powers is a question... Read more »

1 Answer | Asked in Insurance Bad Faith for Florida on
Q: I just found a old policy that my dad and mom took out in 1971 from Independent life and they both are deceased

It's a old policy didn't know that they had this my dad died in 1993 and my mom died in 2021 and I was both of their caretakers

Charles M.  Baron
Charles M. Baron
answered on Nov 14, 2021

I just googled "Independent Life" and found that there used to be an "Independent Life and Accident Insurance Company" that was taken over by American General Life And Accident Insurance Company, and that there is an "Independent Life Insurance Company" that is a... Read more »

2 Answers | Asked in Insurance Bad Faith for Florida on
Q: How do i get geico to remove a duplicate claim they have.

On 7/25/2020 i was in one car accident. Somehow a duplicate claim was made for same accident. Geico refused in writing to remove duplicate claim (they even state in writing that it is a duplicate claim) because they say once in the system it can not be removed. It now shows on my record that i had... Read more »

Terrence H Thorgaard
Terrence H Thorgaard
answered on Oct 2, 2021

When you apply for insurance, attach a copy of the admission from GEICO that it is a duplicate claim and that it "can not be removed" from the system.

View More Answers

1 Answer | Asked in Insurance Bad Faith and Real Estate Law for Florida on
Q: Is it legal for my argent to add my kids to my car insurance without telling me

I was paying my car insurance thinking it would take around $200 for my car but it took around $400 because my agent added my son and daughter to my insurance without informing me first so now I have $-200 in my account

Jane Kim
Jane Kim
answered on Sep 12, 2021

Usually, all members of the household that are of driving age are listed on the policy. Also, all owners of the vehicle are listed on the policy regardless of their residence address.

Typically, you are sent a declaration page of the insurance coverage and the premium amount. If you opened...
Read more »

2 Answers | Asked in Consumer Law, Contracts, Real Estate Law and Insurance Bad Faith for Florida on
Q: Does a HOI company in FL have any liability if they agree to insure and then cancel policy after home purchase?

I bought a home with an old roof in May 2021. I had only one option for HOI as a result. The company was provided a copy of the 4 point inspection and agreed to issue the policy. I was buying the property with the intention of doing some renovations in the next year or two, but didn't have the... Read more »

Terrence H Thorgaard
Terrence H Thorgaard
answered on Aug 13, 2021

What are they saying is the reason they are cancelling; did you give them false information of any sort?

View More Answers

1 Answer | Asked in Insurance Bad Faith for Florida on
Q: I live in Florida. My license will be suspended without Florida car insurance that I can't get because I'm in Virginia

Im in Virginia for 2 weeks only and they keep saying I need Virginia insurance which is illegal because I'm a Florida resident

Terrence H Thorgaard
Terrence H Thorgaard
answered on Aug 3, 2021

Are you saying you can't pick up a phone, call a Florida insurance broker, and get Florida insurance? That is very doubtful. In any event, I don't believe it will be suspended before you return to Florida.

1 Answer | Asked in Insurance Bad Faith and Health Care Law for Florida on
Q: Insurance company charging a 1100% markup for wrist braces, anything I can do?

My insurance company is charging a 1100% markup for wrist braces, discounted to 450% for in-network.

First, my doctors office told me the cost for the braces was $10.40 when I asked how much they were. A week later I received a bill for $224 (discounted from $566)

They admitted... Read more »

Jane Kim
Jane Kim
answered on Jul 18, 2021

American healthcare is unlike any other business of supply and demand. In the healthcare world, the healthcare provider and the health plan agree on prices. You as the consumer (patient) do not dictate, negotiate or drive pricing up or down. You agree to pay the health plan premiums without price... Read more »

1 Answer | Asked in Civil Litigation, Insurance Bad Faith and Insurance Defense for Florida on
Q: Do I have recourse against my insurance agent?

I was having trouble getting my older boat insured. My friend/agent said he would probably just put his name on it so we could get it insured. Mind you, he has nothing to do with the boat nor has he invested in it. He strictly put his name on it to get it insured. The boat sank. Insurance company... Read more »

Bruce Alexander Minnick
Bruce Alexander Minnick
answered on Jul 6, 2021

Reading between the lines I have a feeling that your "friend/agent" works for the insurance company; am I right?

If so you can file a complaint against your agent with the Department of Financial Services, Division of Insurance Regulation.

1 Answer | Asked in Insurance Bad Faith for Florida on
Q: My pull behind camper burned in our yard. (neighbor fire). Have 78K personal property coverage. Will homeowners cover?

We live in Florida, have State Farm Insurance with a 78K personal property coverage and 315k for house. Entire back yard, Camper, and Utility trailer burned from a neighbor down the road burning pallets. (Deemed non arson). We owe loans on both trailers..9K to 1st Premier bank and 4K to Sheffield... Read more »

Terrence H Thorgaard
Terrence H Thorgaard
answered on May 27, 2021

Have an attorney look at the policy to see if State Farm is reading it correctly.

1 Answer | Asked in Insurance Bad Faith for Florida on
Q: How to revoke insurance license from operating in state of florida

Insure company stepped out of Florida guidelines by violating rules.

Terrence H Thorgaard
Terrence H Thorgaard
answered on Mar 5, 2021

You don't. That's up to the state agency that regulates insurance companies. You have no standing.

Justia Ask a Lawyer is a forum for consumers to get answers to basic legal questions. Any information sent through Justia Ask a Lawyer is not secure and is done so on a non-confidential basis only.

The use of this website to ask questions or receive answers does not create an attorney–client relationship between you and Justia, or between you and any attorney who receives your information or responds to your questions, nor is it intended to create such a relationship. Additionally, no responses on this forum constitute legal advice, which must be tailored to the specific circumstances of each case. You should not act upon information provided in Justia Ask a Lawyer without seeking professional counsel from an attorney admitted or authorized to practice in your jurisdiction. Justia assumes no responsibility to any person who relies on information contained on or received through this site and disclaims all liability in respect to such information.

Justia cannot guarantee that the information on this website (including any legal information provided by an attorney through this service) is accurate, complete, or up-to-date. While we intend to make every attempt to keep the information on this site current, the owners of and contributors to this site make no claims, promises or guarantees about the accuracy, completeness or adequacy of the information contained in or linked to from this site.